Checking Accounts

Select the account that's right for your lifestlye.

 

  Foundation Checking Horizon Checking Legacy Checking Money Market Investment
Earns interest? No YES- Call us for current rates YES- Call us for current rates YES- Call us for current rates
Amount to Open $100 $1,000 $1,500 $1,000
Balance requirement? $0 $1,000 $1,500 cumulative deposit relationship $1,000
Online Banking check check check check
Online Bill Pay check check check check
Withdrawal Limit unlimited unlimited unlimited 6 per statement cycle
E-Statements check check check check
Monthly Fees If a total of $500+/month is directly deposited or 30+/month debit card transactions are made, no maintenance fee will be applied. If this criteria is not met, an $8 maintenance fee will be charged each month. This fee is waived for account holders under the age of 20. $10 fee assessed per statement cycle if balance falls below $1,000 on any day in the statement cycle If a minimum balance of $1500 is not maintained as a total across all deposit products, a $15 maintenance fee will be applied each month the minimum balance is not met. $10 fee assessed per statement cycle if balance falls below $1,000 on any day in the statement cycle
Paper Statements $4/month $4/month Complimentary Complimentary
 

Foundation Checking

This basic checking account is a great option to meet all of your daily needs so you can focus on what matters most! 

  • Unlimited check writing/debit card usage
    • ATM cards and Visa Debit Cards provided

  • E-Statement with images included
    • Statements with images will be available on the 1st day of the month.

  • No minimum balance required
  • $100 minimum to open
  • Free online & mobile banking
  • Free mobile deposit
    • (must enroll through a banking representative)

  • Free online bill pay 
  • Download our free MOBILE APP!

  • Complimentary notary services 
  • Monthly maintenance fee: $8 
    • How to avoid this fee: if a total of $500+/month is directly deposited or 30+/month debit card transactions are made, no maintenance fee will be applied. If this criteria is not met, an $8 maintenance fee will be charged each month. This fee is waived for account holders under the age of 20.
  • Paper statements: $4/ month

  • Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges. 

Sign up todayContact us

 

Horizon Checking

Explore new horizons and earn interest while you are on the go. Horizon checking is fast, secure and easy, with everything you need at your fingertips.

  • Unlimited check writing/debit card usage
    • ATM cards and Visa Debit Cards provided 

  • E-Statement with images included
    • Statements with images will be available no later than the 7th business day of each month.

  • $1,000 minimum to open ​ ​
  • $1,000 minimum balance required*
    • *$10 fee assessed per statement cycle if balance falls below $1,000 on any day in the statement cycle
  • Free online & mobile banking

  • Free mobile deposit

    • (must enroll through a banking representative)

  • Free online bill pay 

  • Download our free MOBILE APP!

  • Complimentary notary services 

  • Monthly maintenance fee: $10 if balance falls below $1000

    • How to avoid this fee: Maintain a balance of $1000 or more in your checking account

  • Paper statements: $4/ month

  • **Interest is compounded and credited to account every statement cycle

Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calcuation is monthly.

**Interest compounded and credited monthly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest paid will forfeit accrued interest.

Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges. 

Sign up today Contact us

 

Legacy Checking

This account is exclusively for our Legacy Club Members. This account includes extra perks - available only to YOU! 

  • Unlimited check writing/debit card usage
    • ATM cards and Visa Debit Cards provided 

  • E-Statement or paper statement complimentary 
    •  Paper statements with images will be available by the 5th business day of each month.

  • $1500 minimum to open
  • $1,500 minimum balance required*
    • *$15 fee assessed per statement cycle if balance falls below $1,500 on any day in the statement cycle

  • Complimentary Notary services 
  • Complimentary monthly Legacy Club Newsletter 
  • Discounted safe deposit boxes
  • 2 complimentary boxes of checks 
  • Travel opportunities & events
  • Complimentary credit report & assistance from dedicated banking expert 
  • Free online & mobile banking

  • Free mobile deposit (must enroll through a banking representative)

  • Free online bill pay 

  • Download our free MOBILE APP! 

  • Monthly maintenance fee: $15 if balance falls below $1500 as a total across all deposit products

    • How to avoid this fee: Maintain a balance of $1500 or more in your products - collectively 

Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges. 

Sign up todayContact us

 

Money Market Investment

Premium interest checking for those who carry high balances with minimum transaction needs. 

  •  $1,000 minimum to open
  • $1,000 minimum balance required

    • $10 fee assessed per statement cycle if balance falls below $1,000 on any day in the statement cycle

  • Withdrawals limited to six debits of any kind in any statement cycle ​ ​

    • $3 fee assessed per withdrawal in excess of three per statement cycle

  • Monthly statement with images

  • **Interest is compounded and credited to account every statement cycle

Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calcuation is monthly.

**Interest compounded and credited monthly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest, paid will forfeit accrued interest. 

Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges. 

Sign up todayContact us

 

Login

 
Sign up for online banking


Report a Lost / Stolen Credit Card

During Banking Hours
785-456-2221

After Banking Hours
800-423-7503

 
 

Report a Lost / Stolen Debit Card

During Banking Hours
785-456-2221

After Banking Hours
866-546-8273

For Instant Access
785-456-6565
785-537-0802

You may also report a lost or stolen debit card via online banking or the mobile app.